Save on 2015 Ford Focus Insurance Quotes

Looking for better insurance rates for your Ford Focus? Pricey Ford Focus insurance can bottom out your monthly budget and make it hard to pay other bills. Comparing rates annually can lower your rates and help to reduce premiums and put more money in your pocket.

Big-name insurance companies like Geico, Progressive and Allstate all claim big savings, bombarding you with advertising and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

Consumers need to get comparison quotes at least once a year because prices fluctuate regularly. Just because you had the best price on Focus insurance two years ago there may be better deals available now. Block out anything you think you know about insurance because we’re going to show you the only way to find better rates and still maintain coverage.

If you have insurance now or need a new policy, you will benefit by learning to get lower rates while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to understand the proper methods to shop over the internet.

Cheap car insurance price quotes online

Finding a better price on car insurance is a great way to save money. You just have to invest a few minutes comparing rates from online providers. It’s really simple and can be done in a couple of different ways.

If you are pressed for time, the simplest way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This quick form prevents you from having to do boring form submissions to each individual car insurance company. Just one form will return price quotes from car insurance companies with the best prices.

Another way to get comparison quotes requires visiting each company website and get a separate price quote. For examples sake, let’s say you want to compare rates from Nationwide, Farmers and Travelers. You would have to spend time on each company’s site and type in your information over and over, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

The last method to get rate quotes to each insurance agency near you. Comparing online rate quotes can eliminate the need for a local agent unless your situation requires the peace of mind only provided by licensed agents. It is possible to price shop online and still use a local agent.

The approach you take is up to you, just make sure you compare nearly identical quote data for every quote you compare. If your comparisons have unequal deductibles or liability limits it’s not possible to make a fair rate comparison.

Take advantage of every auto insurance discount

Not too many consumers would say auto insurance is affordable, but you may qualify for discounts to help offset the cost. Certain discounts will be triggered automatically when you purchase, but some need to be asked for before they will apply. If you do not check that you are getting every discount you deserve, you may be paying too high a price.

  • Senior Citizen Rates – If you qualify as a senior citizen, you could receive better auto insurance rates on Focus insurance.
  • Student in College – who are enrolled in higher education away from home without a vehicle on campus may be able to be covered for less.
  • Early Payment Discounts – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company they may give you a discount of up to 20% and get you the cheapest insurance.
  • Safety Course Discount – Completing a safe driver class is a good idea and can lower rates depending on where you live.
  • Data Collection Discounts – Insureds that choose to allow companies to track driving patterns by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they exhibit good driving behavior.

While discounts sound great, it’s important to understand that most discounts do not apply to all coverage premiums. Most cut the cost of specific coverages such as collision or personal injury protection. Even though it appears it’s possible to get free car insurance, nobody gets a free ride.

A list of companies and some of the premium reductions they offer can be found below.

  • State Farm has savings for passive restraint, safe vehicle, multiple policy, anti-theft, student away at school, and Steer Clear safe driver discount.
  • American Family may include discounts for mySafetyValet, early bird, good driver, air bags, good student, and accident-free.
  • AAA discounts include multi-car, pay-in-full, AAA membership discount, good student, anti-theft, and multi-policy.
  • Geico policyholders can earn discounts including multi-policy, five-year accident-free, driver training, military active duty, federal employee, defensive driver, and membership and employees.
  • Mercury Insurance includes discounts for ease of repair, anti-theft, multi-policy, multi-car, and professional/association.
  • Farmers Insurance offers premium reductions for switch companies, business and professional, teen driver, multi-car, and bundle discounts.
  • Progressive offers discounts for multi-policy, good student, online signing, multi-vehicle, and online quote discount.

Before you buy a policy, ask all companies you are considering the best way to save money. Savings may not apply to policyholders in your area.

How to know if you need help

When buying coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different so this has to be addressed. For example, these questions can aid in determining whether or not you would benefit from an agent’s advice.

  • What is the rate difference between pleasure use and commuting?
  • Am I better off with higher deductibles on my 2015 Ford Focus?
  • Which companies will insure high-risk drivers?
  • What companies insure drivers after a DUI or DWI?
  • What is the ISO rating for a 2015 Ford Focus?
  • Should I bundle my homeowners policy with my auto?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Why you might pay lower rates

The best way to find cheaper auto insurance is to take a look at the rating factors that are used to determine your policy premiums. If you know what determines premiums, this helps enable you to make changes that can help you get lower rates. Many factors are part of the equation when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, but other criteria are less apparent like your continuous coverage or your financial responsibility.

The list below includes a partial list of the pieces auto insurance companies consider when setting prices.

  • Protect yourself with liability protection – Liability coverage will provide protection in the event that you are responsible for an accident. Your policy’s liability insurance provides for a legal defense which can cost a lot. Liability is cheap as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
  • Never let your auto insurance policy lapse – Having an insurance coverage lapse is a fast way to increase your renewal premiums. Not only will you pay higher rates, not being able to provide proof of insurance could result in fines and jail time.
  • Driving citations are costly – A bad driving record impacts your car insurance rates tremendously. Even one moving violation can increase the cost of insurance by as much as thirty percent. Good drivers have lower premiums compared to drivers with tickets. Drivers with severe tickets like reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state in order to keep their license.
  • Urban areas may pay more – Residing in less populated areas of the country has definite advantages when buying auto insurance. People who live in big cities have to deal with more aggressive driving styles and a longer drive to work. Fewer people means a lower chance of having an accident.
  • Auto insurance rates and age – Drivers with little experience have been known to be inattentive in a vehicle and because of this, their auto insurance rates are much higher. More mature drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets.
  • Stress out and pay more – Did you know your occupation can influence how much you pay for auto insurance? Jobs like military personnel, business owners and dentists tend to have higher premium rates due to intense work requirements and incredibly demanding work hours. Conversely, occupations like professors, athletes and retirees receive lower rates on Focus insurance.
  • Poor credit decisions can cost you – Your credit history is a big factor in determining your rates. Therefore, if your credit rating leaves room for improvement, you may save money insuring your 2015 Ford Focus by improving your credit score. Drivers who have very high credit ratings tend to file fewer claims than those with bad credit.

Detailed coverages of your auto insurance policy

Having a good grasp of auto insurance aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages found on most auto insurance policies.

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, sustaining damage from a pot hole, sideswiping another vehicle, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, hitting a bird, damage from a tornado or hurricane and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments – Med pay and PIP coverage pay for short-term medical expenses like funeral costs, chiropractic care, nursing services and dental work. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Auto liability – Liability coverage provides protection from damage that occurs to people or other property in an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things like funeral expenses, loss of income and emergency aid. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Ford Focus.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Compare but don’t skimp

Cheap 2015 Ford Focus insurance can be purchased online and from local agencies, so you need to quote insurance with both to get a complete price analysis. Some companies may not have internet price quotes and these small, regional companies only sell through independent agents.

We covered a lot of information how to reduce 2015 Ford Focus insurance auto insurance rates online. The key concept to understand is the more quotes you get, the better your chances of lowering your premium rates. You may even find the most savings is with some of the lesser-known companies. Regional companies may only write in your state and offer lower premium rates than their larger competitors like Progressive and Geico.

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